Is this page an offer of credit?

No. It is a lender's published offer, copied from the lender's public website on the date shown, and nothing on it is a quote, a pre-approval or a commitment to lend. Your rate is set by the lender after you apply on its site.

Why does the APR show a range?

Because that is what the lender publishes. Banrox shows the APR block only when the lender publishes one and quotes the lender's own wording; the rate you are offered depends on your credit history, income, amount and term, and may be higher than the lowest rate shown.

How is the monthly payment estimate calculated?

Principal and interest at the lowest APR the lender publishes, over the term you pick, excluding origination and other fees. It is an estimate for comparison only, and the lender's own disclosure governs.

What is the "Lowest APR" history chart?

A record of the lowest APR this lender published each time Banrox checked its page, so you can see whether the rate has been moving. It is a history of published rates, not a prediction of what you will be offered.

Does Banrox get paid if I apply?

Banrox may receive compensation from the lender when you take a product through the site, and that compensation cannot change the order in which offers are shown. Advertiser and Affiliate Disclosure.

Does clicking Apply affect my credit?

Not on Banrox. Apply takes you to the lender's site, where the lender's own application may involve a hard inquiry, and the lender must tell you before it does. Soft pull and hard pull, explained.

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Discover Personal Loan

Discover Personal Loans · Personal loan · Rates as of Nov 09, 2026

APR (fixed)

6.99% to 24.99%

APR, fixed

What Discover Personal Loans publishes: "Save on interest with a fixed interest rate from 6.99% - 24.99% APR."

No autopay discount mentioned. Page HTML uses placeholders ('between x and x') filled from Discover's own rates JSON; the JSON fetched today returns MinAPR 6.99%, MaxAPR 24.99%, MinLoan $2,500, MaxLoan $40,000, MinMo 36, MaxMo 84. Meta description confirms 'APRs from 6.99% to 24.99%'.

Representative example from the lender: For example, if you get approved for a $15,000 loan at 11.99% APR for a term of 72 months, you'll pay just $293 per month. (Rates JSON variant: For example, if you get approved for a $15,000 loan at 12.99% APR for a term of 72 months, you'll pay just $301 per month. The estimated total cost of the loan in this example would be $21,672.)

The rate you are offered is set by Discover Personal Loans after you apply on its site. It depends on your credit history, income, loan amount and term, and may be higher than the lowest rate shown here.

Loan amount and term

Loan amount	$2,500 to $40,000
Term	36 to 84 months
Rate type	fixed
Funding speed	next business day: 'Funds can be sent as early as the next business-day after acceptance.'

Fees

Origination fee	0%: 'No Fees. Period. Put more of your funds to work with no fees of any kind.'
Prepayment penalty	No
Late fee	none stated ('no fees of any kind')

Eligibility

Minimum credit score	Not disclosed
States	Not stated
Membership	Not required

Highlights

Origination fee 0%: 'No Fees. Period. Put more of your funds to work with no fees of any kind.'
Funding: next business day: 'Funds can be sent as early as the next business-day after acceptance.'
Borrow up to $40,000
No prepayment penalty

About Discover Personal Loans

Legal name	Discover, a division of Capital One, N.A., Member FDIC
Type	Bank
Website	https://www.discover.com/personal-loans/

Source and date

Rates as of	Nov 09, 2026
Lender rate page	Open
Lender disclosures	Open

Every number on this page is copied from Discover Personal Loans's public website on the date above. Banrox does not set, estimate or adjust lender rates.

Estimated payment

at 6.99% APR, the lowest published

/month

Loan amount and term

Apply

Apply on Discover Personal Loans's site

See the lender's rate page

Lowest APR, last 16 checks

Estimate only. Principal and interest at the lowest APR the lender publishes, excluding fees. Your actual rate, payment and eligibility are decided by the lender. This is not an offer or a commitment to lend.

Compare with

PenFed Credit Union: PenFed Personal Loan from 6.39%
Best Egg: Best Egg Personal Loan 6.99% to 35.99%
LightStream: LightStream Personal Loan (non-vehicle purposes) 9.99% to 24.94%

Third-party lenders

Loan offers are provided by third-party lenders. Banrox is a technology company and is not a lender. Banrox does not take loan applications, make credit decisions or fund loans.

Compensation

Banrox may receive compensation from some lenders when you click or apply through links on this page. Compensation does not affect the rates shown, which are taken from each lender's public website as of the date displayed.

Rates and estimates

Rates, amounts, terms and fees are shown as published on the lender's website on the date marked above and may change without notice. The payment estimate uses the lowest APR the lender publishes and excludes origination and other fees; the lender's own disclosure governs. Nothing on this page is an offer, a rate quote or a commitment to lend.

Before you rely on anything on this page

Banrox does not decide. Banrox Inc. is a technology company. It is not a bank, a lender, a loan broker, or a credit repair organization, and it does not approve, deny, price or underwrite any credit product. Every decision belongs to the bank, lender or issuer, under its own criteria and its own licences.

Nothing here is an offer. Rates, payments, limits and terms shown on this site are published information or arithmetic estimates. They are not quotes, not pre-approvals and not offers of credit. Your actual terms depend on the provider's review of your application. See where these numbers come from.

Equal Credit Opportunity Act. The federal Equal Credit Opportunity Act prohibits creditors from discriminating against credit applicants on the basis of race, color, religion, national origin, sex, marital status, age (provided the applicant has the capacity to enter into a binding contract); because all or part of the applicant's income derives from any public assistance program; or because the applicant has in good faith exercised any right under the Consumer Credit Protection Act. The federal agency that administers compliance with this law concerning Banrox Inc. is the Federal Trade Commission, Equal Credit Opportunity, Washington, DC 20580. More on fair lending.

How Banrox is paid, and why payment cannot change the order of a comparison: Advertiser and Affiliate Disclosure. Full terms: Terms of Service.

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